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Robert J. Bancroft

Founder & Instructor

Bob is the founder and owner of Global Wealth Management Institute and the author of the Institute’s “Wealth That Lasts” classes. Throughout his 27-year career, Bob has been an OTC Stock Trader, Financial Advisor, Branch Manager, and District Manager. Bob holds a Bachelor’s Degree in Finance from Michigan State University. Since 1989, he has focused his career on learning, adapting, and teaching the methods of institutional wealth management for affluent individuals, families, and fiduciaries.

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Jason K. Bleimeyer

Instructor

Jason has been in the financial services industry for more than twenty years. In his practice, he advises institutions, fiduciaries, and individuals on sector analysis, asset allocation, and security selection. He guides clients on how to structure portfolios with an emphasis on risk management and tax efficiency. Jason has taught in conjunction with the Wharton School of the University of Pennsylvania and is sponsored by the Investment Management Consultants Association (IMCA). He also holds the designation of Certified Investment Management Consultant sponsored by IMCA.

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This is not a solicitation. Wealth That Lasts is not a brokerage firm, and we do not sell any investment products. The Wealth That Lasts course is solely intended to be an educational resource.

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The securities/instruments discussed in this material may not be suitable for all investors. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. Global Wealth Management Institute and Wealth That Lasts recommend that investors independently evaluate specific investments and strategies and encourages investors to seek the advice of a financial advisor.

 

Global Wealth Management Institute and Wealth That Lasts do not provide tax or legal advice.  Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

 

Past performance is no guarantee of future results. Asset allocation and diversification do not guarantee a profit or protect against a loss in a declining financial market.

 

Rebalancing does not protect against a loss in declining financial markets. There may be a potential tax implication with a rebalancing strategy. Investors should consult with their tax advisor before implementing such a strategy.

 

Any type of continuous or periodic investment plan does not assure a profit and does not protect against loss in declining markets. Since such a plan involves continuous investment in securities regardless of fluctuating price levels of such securities, the investor should consider his financial ability to continue his purchases through periods of low price levels.

 

Monte Carlo simulations are used to show how variations in rates of return each year can affect your results. A Monte Carlo simulation calculates the results of an analysis by running it many times, each time using a different sequence of returns. Results generated by a Monte Carlo simulation will vary with each use and over time because each portfolio simulation is randomly generated.  Some sequences of returns will give you better results, and some will give you worse results. These multiple trials provide a range of possible results, some successful (you would have met all your goals) and some unsuccessful (you would not have met all your goals). The percentage of trials that were successful is shown as the probability that the analysis, with all its underlying assumptions, could be successful. Results using Monte Carlo simulations indicate the likelihood that an event may occur as well as the likelihood that it may not occur. In analyzing this information, the analysis does not take into account actual market conditions, which may severely affect the outcome of your goals over the long term. The projections or other information generated by a Monte Carlo simulation regarding the likelihood of various investment outcomes (including any assumed rates of return) are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Global Wealth Management Institute and Wealth That Lasts cannot give any assurances that any estimates, assumptions or other information generated by a Monte Carlo simulation will prove correct. They are subject to actual known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from those shown.

 

The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. Principal value and return of an investment will fluctuate with changes in market conditions.

 

Investors should carefully consider the investment objectives and risks as well as charges and expenses of a mutual fund before investing. To obtain a prospectus, contact your Financial Advisor or visit the fund company’s website. The prospectus contains this and other important information about the mutual fund. Read the prospectus carefully before investing.

 

Interest in municipal bonds is generally exempt from federal income tax.  However, some bonds may be subject to the alternative minimum tax (AMT).  Typically, state tax-exemption applies if securities are issued within one’s state of residence and, local tax-exemption typically applies if securities are issued within one’s city of residence. Bonds are affected by a number of risks, including fluctuations in interest rates, credit risk and prepayment risk.  In general, as prevailing interest rates rise, fixed income securities prices will fall.  Bonds face credit risk if a decline in an issuer's credit rating, or creditworthiness, causes a bond's price to decline.  Finally, bonds can be subject to prepayment risk. When interest rates fall, an issuer may choose to borrow money at a lower interest rate, while paying off its previously issued bonds. As a consequence, underlying bonds will lose the interest payments from the investment and will be forced to reinvest in a market where prevailing interest rates are lower than when the initial investment was made.  NOTE: High yield bonds are subject to additional risks such as increased risk of default and greater volatility because of the lower credit quality of the issues.  

 

CDs are insured by the FDIC, an independent agency of the U.S. Government, up to a maximum of $250,000 (including principal and accrued interest) for all deposits held in the same insurable capacity (e.g. individual account, joint account, IRA etc.) per CD depository. Investors are responsible for monitoring the total amount held with each CD depository. All deposits at a single depository held in the same insurable capacity will be aggregated for the purposes of the applicable FDIC insurance limit, including deposits (such as bank accounts) maintained directly with the depository and CDs of the depository. For more information visit the FDIC website at  www.fdic.gov.

 

S&P 500 Index is an unmanaged, market value-weighted index of 500 stocks generally representative of the broad stock market.  An investment cannot be made directly in a market index.

 

Information contained herein has been obtained from sources considered to be reliable, but Global Wealth Management Institute and Wealth That Lasts do not guarantee their accuracy or completeness.